TechTalk

Expert commentary and analysis on market developments. Plus guidance on identifying planning opportunities.

In this techtalk

See how your business could benefit as our Financial Planning team
looks at a range of topics on protection.

Techtalk

MORTGAGE PROTECTION BREAKTHROUGH: NEW WELFARE DISREGARDS

An explanation of the DWP’s commitment to disregard some protection insurance benefits used to pay mortgage interest and capital for Universal Credit means-testing.

MORTGAGE BENEFIT REFORM AND THE NEED FOR A PLAN B

DWP loans replaced support for mortgage interest benefit from April 2018. We explain the new rules, which can prompt reviews of mortgage clients’ protection needs.

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UNDERWRITING – RISK SELECTION NOT AVOIDANCE

An introduction to protection insurance underwriting history and current practice.

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TRUST BASICS: BARE, DISCRETIONARY, FLEXIBLE AND SPLIT

A round up of useful trust basics – applicable to both family protection policies and investment bonds set up in trust.

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RESIDENCE NIL-RATE BAND: TAPERING, TRANSFERABILITY AND TRUSTS

This article looks at valuing the estate for tapering plus the role of lifetime gifting and the interaction of tapering and the transferability provisions.

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CHANGES TO BEREAVEMENT BENEFITS

A detailed look at the bereavement benefit reforms that came into effect on 6th April 2017.

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MENTAL INCAPACITY: WHO’S CONTROLLING YOUR CLIENT’S AFFAIRS?

A review of the role of lasting powers of attorney, deputyship orders, and their equivalents in Scotland and Northern Ireland in financial planning.

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ACCESS ALL AREAS

The role of the new DWP Champion Access to Insurance Working Group in improving access to protection for people living with chronic conditions and disabilities.

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IHT TAPER RELIEF AND PROTECTION

A detailed look at the operation of PETs, CLTs and taper relief and how a tax liability can be covered with a protection policy.

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